Professional Liability Insurance for Saskatoon Photographers
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As a photographer, you capture important moments. Whether you’re shooting weddings, corporate events, portraits or something else, the pressure is on to deliver beautiful images in a timely fashion. Professional liability insurance can help protect Saskatoon photographers if they’re sued for causing financial loss to a third party as a result of their professional service or advice. What does this look like for photographers? Getting sued if a client isn’t happy with your work and must pay for a reshoot. If a computer or memory card malfunction results in all images being lost after an event. Or if a car accident results in a photographer missing a wedding and a client needing to pay for a last-minute photographer.
What is covered by professional liability insurance for photographers in Saskatoon?
Professional liability insurance can help Saskatoon photographers cover legal expenses if they’re sued for causing financial loss to a third party as a result of their professional advice or service.
Our coverage is retroactive, meaning claims made during your policy period arising from your previous actions are covered. You will need to disclose any possible claims as soon as you’re aware of them.
Keep in mind that you’re only covered to your policy limit. We offer three choices for your policy limit:
- $1,000,000
- $2,000,000
- $5,000,000
Choose the limit that best suits your needs. You should consider your annual revenue, the number of clients you have, the value of each individual contract or client, and the likelihood and expected cost of a lawsuit in your industry.
Why do photographers need professional liability insurance in Saskatoon?
We recommend Saskatoon photographers have professional liability insurance for a few reasons:
- Lawsuits are expensive and this coverage helps cover the costs.
- It may be required by a contract.
- It may be recommended by a professional association.
- It is appealing to prospective clients, especially if they’re corporate clients.
Are there any optional coverages available?
Yes, EasyCover offers three optional business insurance coverages to photographers in Saskatoon: commercial general liability, cyber liability and directors and officers liability insurance.
Commercial general liability helps cover costs if someone is hurt or has their property damaged as a result of negligent acts by you or your employee. This is great coverage to have as a photographer in case someone trips over your equipment or your lighting malfunctions and damages a venue or property.
Cyber liability helps cover recovery costs after a cyber-attack or data breach. This may include legal defence costs, regulatory fines, public relations expenses and other costs, up to your policy limit. Given the prevalence of cyber-attacks, we recommend all businesses carry this coverage.
Finally, directors and officers liability helps cover legal expenses if you’re held personally liable for breaching your duties as a director or officer.
How much does professional liability insurance cost Saskatoon photographers?
Professional liability insurance may start at $440 per year for photographers in Saskatoon. However, your rates may be higher depending on your insurance options, annual revenue, if you have employees, and where you operate.
Protect yourself against the unexpected.
Protect yourself against the unexpected with Professional Liability Insurance for Saskatoon Photographers from EasyCover.
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